# DSCR first-pass card

**Mortgage Dorks Season 1**
**Course:** The Glossary - Learn the Language
**Lesson:** DSCR Without the Fairy Dust
**Format:** Reference card

## Use This For

Explain DSCR as property cash-flow math, not a magic borrower-income bypass.

## Artifact Contents

- Rental income support.
- Qualifying payment.
- Ratio threshold by investor/product.
- Reserves and property restrictions.
- Occupancy and purpose check.

## How To Use It

- Calculate a simple synthetic DSCR and write the missing-fact list.

## Guardrail

Education and workflow support only. Not underwriting approval, legal advice, tax advice, financial advice, a rate quote, or a promise of eligibility. Follow employer, investor, agency, state, and federal requirements.